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Credit investigation default risk assessment method and device, storage medium, and computer equipment

A technology of risk assessment and risk assessment model, which is applied in the assessment method and device of credit default risk, storage medium, and computer equipment, and can solve the problems of default, low efficiency, fraud, etc.

Pending Publication Date: 2019-02-19
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
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AI Technical Summary

Problems solved by technology

[0004] In view of this, the present invention provides an assessment method and device, storage medium, and computer equipment for the risk of credit reporting default, the main purpose of which is to solve the problem that the credit card departments of most domestic banks adopt the form of manual approval, which is inefficient and faces The problem of great fraud and default risk

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  • Credit investigation default risk assessment method and device, storage medium, and computer equipment
  • Credit investigation default risk assessment method and device, storage medium, and computer equipment
  • Credit investigation default risk assessment method and device, storage medium, and computer equipment

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Embodiment Construction

[0064] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0065] The embodiment of the present invention provides a credit default risk assessment method, such as figure 1 As shown, the method includes:

[0066] 101. Obtain the user's credit information, basic information, and loan record information, and perform data quantification processing on variable information in the credit information, the basic information, and the loan record information.

[0067] Among them, the credit informa...

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Abstract

The invention discloses a credit investigation default risk assessment method and device, a storage medium and a computer device, which relates to the technical field of data processing, and mainly aim at solving the problem that most credit card departments of domestic banks adopt manual examination and approval operation form, low efficiency, and face great risk of fraud and default. The methodincludes: obtaining credit information, basic information and loan record information of users, and carrying out data quantification processing on variable information in credit information, basic information and loan record information; Feature box is used to divide and select the variable information after data quantization. Feature box is used to discretize the continuous variable information.Through the pre-established credit default risk assessment model to calculate the credit default risk assessment value of the variable information after variable partition, the credit default risk assessment model is a logistic regression model to predict the credit default risk assessment value according to the variable information.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a method and device, a storage medium, and a computer device for assessing credit default risk. Background technique [0002] With the rapid development of the credit investigation field of financial enterprises, in order to ensure that enterprises will not cause excessive economic losses in terms of credit loans to users, financial enterprises will evaluate the credit investigation status of users. For example, the credit card department of a bank is Before the user is issued a credit card, the user's credit level will be reviewed and approved. [0003] At present, the credit card departments of most banks in China adopt the form of manual approval, which is inefficient and faces great risks of fraud and default. In order to find a suitable balance point, and some banks use the scorecard model, the method used is based on expert rules, and the accuracy of the pr...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 黄博毕野吴振宇王建明肖京
Owner PING AN TECH (SHENZHEN) CO LTD
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